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Old 28.09.2015, 10:54
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New in Switzerland, no insurance yet, eye problem

I arrived 6 weeks ago, and since then seem to have developed a growth on my eye, which is irritating. Looks like it is probably a Pinguecula. I am not registered with a CaisseMaladie/Krankenkasse yet. I have an apt with an eye doctor in November (long wait) to get it checked. I'm now hesitating about signing up with a Caisse Maladie/Krankenkasse b/c if possible I would like to get this growth removed (although if it is a Pinguecula it wouldn't have to be removed necessarily I know, but it's really irritating)...I was going to go with a 2500 deductible but am wondering what it might cost to get this growth removed, which might influence me to get a lower deductible. Would anyone be able to advise on the cost of getting such a growth removed? Thank you.
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Old 28.09.2015, 11:19
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Re: New in Switzerland, no insurance yet, eye problem

1) Go see a doctor to diagnose your condition.
2) Sign up for medical insurance as soon as possible. The premiums will probably be backdated to the time of your arrival in Switzerland so you are probably, in a sense, already insured.
3) Deductible (franchise): without knowing your financial and health conditions, which I don't want to know, it would be very difficult to give an informed opinion on the deductible amount that should be selected.
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Old 28.09.2015, 11:23
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Re: New in Switzerland, no insurance yet, eye problem

I would say go for lower deductible for 2015 and change it to higher one for 2016 if treatment would be over by year end. Ask doctor for the estimates. You are insured from the day you arrive and you have 90 days to sort out health insurance. Otherwise authorities may sign you up in one of them which may be very expensive.
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Old 28.09.2015, 11:39
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Re: New in Switzerland, no insurance yet, eye problem

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I would say go for lower deductible for 2015 and change it to higher one for 2016 if treatment would be over by year end. Ask doctor for the estimates. You are insured from the day you arrive and you have 90 days to sort out health insurance. Otherwise authorities may sign you up in one of them which may be very expensive.
I second that, go for lower deductible now and maybe change it next year.

"You will start paying the premiums from the date the policy is active, if you choose to start from 01.11.15 then you start paying from that date, not from the date you entered Switzerland."

Edit: My last sentence seems not to fit every situation. At least this was the case for me when I was a student, I only started paying from my third month in Switzerland.

Last edited by nasa2000; 28.09.2015 at 13:13. Reason: New information from Mullhollander
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Old 28.09.2015, 11:51
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Re: New in Switzerland, no insurance yet, eye problem

This Swiss government document explains when compulsory health insurance is to start in Switzerland. If you are registered, it will apparently be backdated to your date of registration, according to the below:

"06. Within which period do I have to take out insurance, and what are the consequences of delayed registration?

You have to take out health insurance within three months of the beginning of compulsory insurance (e.g. of the date you take up residence or give birth to a child in Switzerland). The insurance is then back-dated to the beginning of compulsory insurance. Since expenses are reimbursed retroactively, consequently it is mandatory to pay the premiums retroactively from the beginning of coverage on.

If you do not meet this three-month deadline, your insurance cover will only take effect from the date you register, and you will have to pay a premium supplement unless you can give good reasons for the delay."

http://www.bag.admin.ch/themen/krank...x.html?lang=en
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Old 28.09.2015, 13:14
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Re: New in Switzerland, no insurance yet, eye problem

Thanks for the information Mullhollander, I've edited my post.
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Old 30.09.2015, 22:32
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Re: New in Switzerland, no insurance yet, eye problem

Thank you very much everyone. Will heed all the good advice!
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